What do you picture when you think of college?  Maybe you see cavernous lecture halls. Football stadiums packed with fans. Beautifully manicured lawns where students study or play frisbee or make lifelong connections. For many of today’s students, that image includes mountains of debt. In 1980, attending a four-year college full-time cost $10,231 annually. That includes tuition, fees, room and board and is adjusted for inflation. By 2019,…